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Product
You upload an ageing or exposure file. The platform applies your assumptions and produces the provision, the disclosure tables and the audit log, every month or quarter. ERP integration and market data can be added on request.
Core platform
Upload .xlsx or .csv files, map the columns once and reuse the mapping. Checks flag missing dates, negative balances, duplicate invoice IDs, currency mismatches and unmapped customers before the file can go into a run.
Edit loss rates by ageing bucket and segment, with the historical and adjusted rates side by side and the forward-looking adjustment shown separately. A change cannot be saved without a reason, and each one creates a new version.
Each run records the exact data file and assumption version it used, so it can be reproduced later on request. Results are broken down by bucket, stage and segment, with the movement against the prior period.
Preparers submit a run, reviewers approve it, and approval locks the period. The status of each period (draft, calculated, in review or approved) is shown throughout.
Provision matrix, ECL reconciliation, ageing summary and assumptions log in XLSX and PDF. Each export shows the run ID, the assumption version and when it was generated.
An append-only event log that can be filtered and exported, and a read-only auditor role with access to the log and the reports.
On request
These are not part of the monthly fee. Tell us what you need and we will quote.
A direct feed from your ERP or core systems, for example SAP, Oracle or Microsoft Dynamics, in place of file uploads.
Oil price, real estate, GDP and other indicators supplied for the forward-looking adjustment, where your model needs them.
Impairment journals generated for your ledger, and the provision reconciled to the general ledger each period.
IFRS 7 credit-risk tables, stage movement and loss-allowance reconciliations laid out for the financial statements.
Evidence files, overlay approvals and a methodology document mapped to your auditor's request list.
A dedicated environment hosted in the UAE, kept separate from the standard EU environment.
For problems the platform does not cover: unusual portfolios, restatements, methodology reviews or a one-off model.
Roadmap
A planned assistant that explains period movements and finds data issues before a run, working only from the platform's calculated results. It will not calculate, change or approve figures.
Pricing
| ECL Pro platformPer entity. Includes monthly or quarterly runs and reporting, regulatory updates and the audit trail. | USD 1,000 / month |
|---|---|
| Each additional entitySame plan, billed per entity | USD 1,000 / month |
| Onboarding with our teamOptional. No fee if your team sets up on its own. | USD 1,000 once |
| Hands-on help after onboardingEach time you need our help with the platform | USD 500 per request |
| ECL Excel modelNo subscription | USD 20,000 once-off |
| ERP integration, market data, GL posting, disclosure and audit packs, UAE hosting, consultingQuoted for your organisation | On request |
Standard hosting is in the EU (Frankfurt). For anything not listed here, contact us for a quote.
We walk through the method, the audit trail and the exports on a sample book, then talk about your entities.